🤖 x402: AI agents can make payments now. But is the infrastructure actually secure?
Imagine an AI agent that needs data from a paid API to complete a task. Instead of asking a human to create an account, configure an API key, and ha…
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The IRS letter was for the company, not for me
A client asked to pay a company, so I formed a US LLC from abroad and waited for the letter. When it arrived I assumed the number on it was mine. It…
Building the Bank from the Top Down, Technical annex: Agent control, liability and failure
Part 8 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. This annex holds the operating d…
Building the Bank from the Top Down, Appendix C4–C7: Product lines, guardrails and roadmap
Part 6 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. C4. Beyond the PFA: a North Star…
Building the Bank from the Top Down, Appendix C3: The Personal Finance Agent
Part 5 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. C3. Case in point: the Personal…
Building the Bank from the Top Down, Appendix B: Complication evidence
Part 3 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. B1. A recurring pattern: efficie…
The Card
Building a Real-Time Global Network Before Anyone Had the Words for It The Money Stack — Episode 3 of 10 In September 1958, Bank of America mailed s…
The Wire
How Money Learned to Travel at the Speed of Light The Money Stack — Episode 2 of 10 In 1871, Western Union noticed something peculiar about its own…
Why Modern Banking Apps Need a Different Architecture: 5 Companies Worth Watching
Banking apps have become one of the most demanding categories of software to build. Customers expect transactions to feel instant. Product teams wan…
Plaid Alternatives in Europe: A PSD2 Developer's Comparison for 2026
Plaid Alternatives in Europe: A PSD2 Developer's Comparison for 2026 Cover image suggestion: A stylised map of Europe made of interconnected bank/AP…
IBAN validation guide for developers
IBAN validation trips people up because it looks like it should be a length check plus a regex, and it's neither. Here's the actual structure, in th…
Open Banking for Small Businesses: A Open Banking for Small Businesses: A Practical 2026 GuidePractical 2026 Guide
Open Banking for Small Businesses: A Practical 2026 Guide Big banks and enterprise fintech have dominated the open banking conversation, but small b…
Why current balance is a weak UX primitive for everyday banking
If an app shows only how much money is there right now but ignores the obligations already moving towards that balance, it gives the user a distorte…
20 Threat Scenarios Every Banking Application Should Test (Before Attackers Do)
Every banking app I've ever worked on "worked" on the day it shipped. Login worked. Transfers worked. The balance updated correctly after every test…
AI Upskilling for Finance
See how AI upskilling for finance helps testing teams adopt AI with practical training, governance, traceability, and measurable impact. The post AI…